Bear Lake Memorial Hospital encourages all patients to familiarize themselves with the terms of their insurance coverage.This will help you understand the hospital’s billing and charges. If the hospital has a question about your insurance coverage, a member of the Patient Financial Services Department will contact you or a member of your family while you are here. Specific information is needed in order to process your claims.
If you have health insurance, Bear Lake Memorial Hospital will need a copy of your identification card. We may also need the insurance forms, which are supplied by your employer or the insurance company. When you are admitted to the hospital, you will be asked to assign benefits from your insurance company directly to Bear Lake Memorial Hospital.
Bear Lake Memorial Hospital will bill your insurance company as a courtesy to you. We will do everything possible to expedite your claim. Please remember that your insurance policy is a contract between you and your insurance provider. You have the final responsibility for payment of your hospital bill.
Bear Lake Memorial Hospital will need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare specifically excludes payment for certain items and services, such as cosmetic surgery, hearing evaluations, personal comfort items, and some oral surgery procedures. Certain pharmacy items are not covered as well. Deductibles and co-payments are your responsibility.
If you are covered by Medicaid, Bear Lake Memorial Hospital will need a copy of your Medicaid card. Medicaid also has payment limitations on a number of services and items. Medicaid does not pay for the cost of a private room unless it is medically necessary.
If you are a member of a PPO, your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plans requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your healthcare plan and their services may not be covered.